{"id":35483,"date":"2026-03-27T16:39:07","date_gmt":"2026-03-27T20:39:07","guid":{"rendered":"https:\/\/silver.rbcinsurance.com\/en-ca\/?p=35483"},"modified":"2026-03-27T16:39:09","modified_gmt":"2026-03-27T20:39:09","slug":"what-is-trip-cancellation-insurance-how-does-it-work","status":"publish","type":"post","link":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work","title":{"rendered":"What is Trip Cancellation Insurance and How Does it Work?"},"content":{"rendered":"\n<div class=\"wp-block-rbc-template-selector templateSelector template__article articleSingle\" data-template=\"article\">\n<div class=\"wp-block-group articleSingle__container tabListStickyWrapper is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__hero__inner is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"rbc-yoast-breadcrum-span\"><span><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/\">Home<\/a><\/span><\/span>\n\n\n\n<div class=\"wp-block-group articleSingle__featuredImage__group is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__title__group is-layout-flow wp-block-group-is-layout-flow\"><h1 class=\"wp-block-post-title\">What is Trip Cancellation Insurance and How Does it Work?<\/h1>\n\n\n<div class=\"wp-block-group articleSingle__date__group is-layout-flow wp-block-group-is-layout-flow\"><div class=\"wp-block-post-date\"><time datetime=\"2026-03-27T16:39:07-04:00\">March 27, 2026<\/time><\/div>\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__readTime\">10 Min Read<\/span>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__author__group is-layout-flow wp-block-group-is-layout-flow\">\n<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128&h=128&crop=1\" alt=\"Tammy Burns\">\n\n\n\n<div class=\"wp-block-group articleSingle__author__details is-layout-flow wp-block-group-is-layout-flow\">\n<span class=\"wp-block-rbc-html-element articleSingle__author__name\">Tammy Burns<\/span>\n\n\n\n<span class=\"wp-block-rbc-html-element articleSingle__author__designation\"><\/span>\n<\/div>\n<\/div>\n<\/div>\n\n\n<figure class=\"articleSingle__featuredImage wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/What-is-trip-cancellation-insurance.webp?quality=80&amp;w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"What is trip cancellation insurance\" style=\"object-fit:cover;\" srcset=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/What-is-trip-cancellation-insurance.webp 1024w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/What-is-trip-cancellation-insurance.webp?resize=300,200 300w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/What-is-trip-cancellation-insurance.webp?resize=768,512 768w, https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/What-is-trip-cancellation-insurance.webp?resize=412,275 412w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__container__main is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group articleSingle__container__page__nav is-layout-flow wp-block-group-is-layout-flow\">\t\t<div class=\"socials-block\">\n\t\t\t\t\t\t<p class=\"socials-block-title\">\n\t\t\tShare this article\t\t<\/p>\n\t\t<div class=\"social-links mob-mar-b-hlf mob-mar-t-hlf\">\n\t\t\t\t\t<a class=\"social-button-wrapper sharing-custom sharing-email\" href=\"mailto:?subject=What is Trip Cancellation Insurance and How Does it Work? &#038;body=Hi, I thought you might be interested in this article from RBC Insurance: https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work\">\n\t\t\t\t<img decoding=\"async\" src=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-email.svg\"\n\t\t\t\talt=\"envelope icon\">\n\t\t\t\t<span>\n\t\t\t\tEmail\t\t\t\t<\/span>\n\t\t\t<\/a>\n\t\t<div class=\"social-button-wrapper sharing-copy-wrapper\">\n\t\t\t<button class=\"sharing-custom sharing-copy\" data-url=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work\">\n\t\t\t<img\n\t\t\t\tsrc=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/plugins\/rbc-blocks\/assets\/img\/icons\/icon-related.svg\"\n\t\t\t\talt=\"copy icon\">\n\t\t\t<span id=\"sharing-copyUrl-Label\">\n\t\t\t\tCopy URL\t\t\t<\/span>\n\t\t\t<\/button>\n\t\t\t<input type=\"text\" class=\"sharing-copy-text\" aria-labelledby=\"sharing-copyUrl-Label\">\n\t\t<\/div>\n\t<\/div>\n  \t\t<\/div>\t\n\t\t\n\n\n<div class=\"wp-block-rbc-tabs-list tabsList\" data-switch=\"lgBp\" data-target-heading=\"h2\"><p class=\"tabsList__heading\">On this page<\/p><div class=\"tabsList__wrapper\"><button class=\"selectDropdown__button\" aria-haspopup=\"listbox\" aria-expanded=\"false\"><span class=\"selectDropdown__title\">What is trip cancellation and interruption insurance?<\/span><span class=\"selectDropdown__chevron\"><\/span><\/button><ul class=\"tabsList__items selectDropdown__list\"><li class=\"selectDropdown__list__item tabsList__item selected\"><a href=\"#h-what-is-trip-cancellation-and-interruption-insurance-0\">What is trip cancellation and interruption insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-what-does-trip-cancellation-and-interruption-insurance-cover\">What does trip cancellation and interruption insurance cover?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-how-much-does-trip-cancellation-insurance-cost\">How much does trip cancellation insurance cost?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-why-should-you-buy-trip-cancellation-insurance\">Why should you buy trip cancellation insurance?<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-protect-against-the-unexpected-with-trip-cancellation-insurance\">Protect against the unexpected with trip cancellation insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-rbc-travel-insurance\">RBC Travel Insurance<\/a><\/li><li class=\"selectDropdown__list__item tabsList__item \"><a href=\"#h-faqs-about-trip-cancellation-insurance\">FAQs about trip cancellation insurance<\/a><\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-group articleSingle__content__main tabListHeadings is-layout-flow wp-block-group-is-layout-flow\">\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<p>Travel is full of the unexpected. Most of it is exciting \u2014&nbsp;exploring a foreign city, finding a new food you love, making new friends. But unfortunately, travel can also bring some not-so-pleasant surprises. Maybe a long line at security makes you miss your connecting flight. Or a government travel advisory forces you to cancel your plans completely.<\/p>\n\n\n\n<p>Last summer, the <a href=\"https:\/\/www150.statcan.gc.ca\/n1\/daily-quotidien\/251202\/dq251202c-eng.htm\" target=\"_blank\" data-dig-id=\"LP-TravelInsurance-35483-77fb213c\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"average cost for a two-week international vacation\" class=\"rbc-link-format externalsite-link\" data-icon-class=\"externalsite-link\" rel=\"noreferrer noopener\">average cost for a two-week international vacation<\/a> for a Canadian family of four was around $10,000. Now, imagine there\u2019s a hurricane right before the trip and you must cancel. Or a family emergency back home requires you to cut your trip short. Depending on your flight booking, your family could be out a lot of money.<\/p>\n\n\n\n<p>Trip cancellation and interruption insurance gives you financial protection for these kinds of situations. This way, you can have peace of mind as you prepare for and enjoy your trip, rather than worrying about the what-ifs.<\/p>\n\n\n\n<div class=\"wp-block-rbc-callout-card calloutCard calloutCard__article\">\n<h3 class=\"wp-block-heading calloutCard__article__heading\" id=\"h-key-takeaways\">Key takeaways<\/h3>\n\n\n\n<div class=\"wp-block-group calloutCard__article__content is-layout-flow wp-block-group-is-layout-flow\">\n<div class=\"wp-block-group is-layout-flow wp-block-group-is-layout-flow\">\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p>Trip cancellation and interruption insurance reimburses non-refundable costs and out-of-pocket expenses if your trip is cancelled, delayed, or cut short for a covered reason.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Trip cancellation insurance differs from travel medical insurance, which covers illness or injury abroad. Ideally, you should be covered for both.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Travellers should buy coverage as early as possible.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>Trip cancellation insurance can include coverage in the event of a medical emergency, natural disaster, job loss, government travel warnings, and transport delays.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p>The cost of a premium for trip cancellation and interruption varies depending on your trip length, cost of the trip, and travellers\u2019 ages.<\/p>\n<\/li>\n<\/ul>\n<\/div>\n<\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-trip-cancellation-and-interruption-insurance\">What is trip cancellation and interruption insurance?<\/h2>\n\n\n\n<p><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/travel-insurance\/trip-cancellation-interruption-insurance\/\" data-dig-id=\"LP-TravelInsurance-35483-7d0761ad\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"Trip cancellation and interruption insurance\" class=\"rbc-link-format\">Trip cancellation and interruption insurance<\/a> is your financial protection if a trip doesn\u2019t go ahead as planned. If your flight is delayed due to bad weather or you need to cut your trip short to return home for a medical emergency, trip cancellation and interruption coverage can help protect you against recouping any non-refundable costs.<\/p>\n\n\n\n<p>It can also help with any out-of-pocket expenses you incur because of the change in plans. For example, if you\u2019re stranded for a few days in your destination until the weather clears, you could be reimbursed for hotel stays, meals, and taxis.<\/p>\n\n\n\n<p>It\u2019s important to note that, trip cancellation and interruption insurance is different from <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/international-travel-health-insurance-what-to-know\/\" data-dig-id=\"LP-TravelInsurance-35483-526390b8\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"travel medical insurance\" class=\"rbc-link-format\">travel medical insurance<\/a>. Travel medical insurance is specifically designed to cover the costs of sickness or injury while you\u2019re travelling, not the cost of flight delays. For that reason, it\u2019s a smart idea to get both forms of travel insurance before you depart. You can often <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/travel-insurance\/compare-travel-insurance\/\" data-dig-id=\"LP-TravelInsurance-35483-2a138e76\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"bundle these two insurance products together\" class=\"rbc-link-format\">bundle these two insurance products together<\/a> for the best coverage and value.<\/p>\n\n\n\n<p>It\u2019s also a good idea to buy trip cancellation insurance sooner rather than later \u2014 ideally, as soon as you know the full cost of your trip and book it, so you\u2019re fully covered. The reason? Trip cancellation coverage only <strong>takes effect on the date you buy it<\/strong>. This way, if something comes up and you need to cancel your trip before you depart, you\u2019ll already have coverage in place. You can\u2019t retroactively apply trip cancellation coverage.<\/p>\n\n\n\n<p>Trip cancellation and interruption insurance generally ends once your trip is cancelled (if the cancellation was before you left home) or once you return to your home.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-does-trip-cancellation-and-interruption-insurance-cover\">What does trip cancellation and interruption insurance cover?<\/h2>\n\n\n\n<p>Policies can vary, but here are some common scenarios that can be covered by <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/travel-insurance\/trip-cancellation-interruption-insurance\/\" data-dig-id=\"LP-TravelInsurance-35483-74717a91\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"trip cancellation and interruption insurance\" class=\"rbc-link-format\">trip cancellation and interruption insurance<\/a> with RBC Insurance:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Emergency illness or injury:<\/strong> You require emergency medical care or are quarantined and cannot travel as planned. For business owners, this can include the medical emergency of a key employee or business partner.&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Death of a family member or friend:<\/strong> The death of a family member or someone close to you causing you to cancel or interrupt your trip. For business owners, this may include the death of a key employee or business partner.&nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Natural disaster:<\/strong> Your trip is interrupted or cancelled because of a natural disaster, such as an earthquake or volcanic eruption.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Pregnancy:<\/strong> Complications due to pregnancy arising in the first 31 weeks.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Government travel warnings.<\/strong> If the Canadian government issues an \u201cAvoid non-essential Travel\u201d or \u201cAvoid all Travel\u201d advisory.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Visa issues<\/strong>: Your travel visa is rejected for a reason beyond your control.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Transport delays:<\/strong> You miss your flight, ferry, train, or miss a connection due to a &nbsp;weather condition or an emergency police-directed road closure.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Work-related emergencies or changes:<\/strong> You\u2019re transferred or lose your job. Cancelled business meetings may also be covered. &nbsp;<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Service duty:<\/strong> You\u2019re summoned to serve in the military or to act as essential medical, police, or fire personnel.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Court duty:<\/strong> You\u2019re called for jury duty or to appear as a witness or party in a court proceeding.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>As you can see, much of the coverage isn\u2019t just for issues that might crop up during your trip \u2014 you\u2019ll also have coverage in place for things that happen before you leave, but after you\u2019ve purchased your policy.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">What does trip cancellation and interruption insurance not cover?<\/h3>\n\n\n\n<p>Trip cancellation\/interruption insurance covers a lot of things, but it doesn\u2019t cover everything.<\/p>\n\n\n\n<p>Here are some reasons for cancelling or interrupting your trip that likely won\u2019t be covered:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Pre-existing medical conditions<\/strong> that weren\u2019t stable for a set period before your effective date you purchased the insurance.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Pregnancy or routine natal care<\/strong><\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Medical travel <\/strong>for you to obtain a diagnosis or treatment.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Self-inflicted injury<\/strong> or a suicide attempt.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Alcohol or drug abuse <\/strong>that results in a medical condition.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Injuries from high-risk activities<\/strong>, such as rock climbing or mountain climbing.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Visa denial <\/strong>due to a late application by you or reason within your control.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Entry denial <\/strong>at customs or a security checkpoint.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Illegal activity <\/strong>committed by you.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<p>Again, keep in mind that policies can vary, so read the policy carefully and double-check what is and isn\u2019t covered before you leave.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-does-trip-cancellation-insurance-cost\">How much does trip cancellation insurance cost?<\/h2>\n\n\n\n<p>The cost of any form of travel insurance depends on a few different factors, including trip duration, non-refundable trip costs, number of travellers, and ages of travellers. For example, a luxury Antarctica cruise for two seniors will have a much higher premium than a budget solo spring break trip to the Dominican Republic.<\/p>\n\n\n\n<p>Regardless of your destination, pay close attention to your non-refundable costs. These could be things like airfare, accommodations, tour packages, and pre-booked activities. The operator may only give you some of your money back if you cancel, or none at all \u2014 especially if you\u2019ve booked a budget airfare or discounted accommodations. Deposits on cruises and group tour packages are often non-refundable.<\/p>\n\n\n\n<p>Once you know the full non-refundable cost of your trip, you can quickly <a href=\"https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=RBCIDTO\" data-dig-id=\"LP-TravelInsurance-35483-8ed6d1cf\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"get a quote online\" class=\"rbc-link-format\">get a quote online<\/a>.<\/p>\n\n\n\n<p>For convenience and cost savings, it may be best to bundle your trip cancellation into a package that also includes travel medical and baggage insurance. This way, you can have comprehensive coverage if something goes wrong.<\/p>\n\n\n\n<p>If you travel several times throughout the year, you can also consider an <a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/guide-to-multi-trip-travel-insurance-plans-for-canadians\/\" data-dig-id=\"LP-TravelInsurance-35483-fe13fd80\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"link click\" data-dig-label=\"annual multi-trip policy,\" class=\"rbc-link-format\">annual multi-trip policy,<\/a> that will keep you protected for trips of up to 30 or even 60 days each.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-why-should-you-buy-trip-cancellation-insurance\">Why should you buy trip cancellation insurance?<\/h2>\n\n\n\n<p>Trip cancellation and interruption insurance is a smart move for any trip that has non-refundable costs, whether that\u2019s airfare, hotel bookings, or a deposit on a group tour. But there are some situations where you\u2019ll especially want to consider it:<\/p>\n\n\n\n<ul class=\"wp-block-rbc-list is-style-blue-disc\">\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>You\u2019re travelling internationally:<\/strong> Having to come home early can be a lot more challenging (and expensive) if you\u2019re abroad.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>You booked far in advance:<\/strong> The further out your trip is, the higher the chance something might crop up that requires you to cancel or reschedule.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Your trip is non-refundable:<\/strong> Limited cancellation windows could mean getting none of your money back without insurance coverage.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>You have connecting flights:<\/strong> Depending on the reason, a missed connection may not be covered by the airline and you could be left on the hook paying for a new flight.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>You have little or no coverage through your credit card or employer:<\/strong> Some credit cards offer travel insurance, but not all, and they may have less coverage than a standalone policy. Same with an employer-provided travel insurance plan.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>Your trip is expensive:<\/strong> Having to cancel or cut short a pricey dream vacation could take a big chunk out of your budget.<\/p>\n<\/li>\n\n\n\n<li class=\"wp-block-rbc-list-item\">\n<p><strong>You\u2019re travelling with family or friends<\/strong>: More people means more risk of someone having to cancel.<\/p>\n<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">Do I need trip cancellation insurance if I have credit card coverage?<\/h3>\n\n\n\n<p>Some credit cards, especially travel credit cards, include travel insurance. But they may not have as many covered reasons and limit of coverage can be lower than the cost of your trip.<\/p>\n\n\n\n<p>As well, you must use that credit card to pay for the trip \u2014 some cards only require partial payment with the card, while others might require that you\u2019ve booked everything with the one card to be eligible for coverage.<\/p>\n\n\n\n<p>If your credit card offers trip cancellation and interruption insurance, check exactly what\u2019s covered and how much of the trip needs to be paid for with the card. If the card\u2019s trip cancellation and interruption insurance doesn\u2019t meet your needs, make sure you get a more robust travel insurance policy that will have you fully protected.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-protect-against-the-unexpected-with-trip-cancellation-insurance\">Protect against the unexpected with trip cancellation insurance<\/h2>\n\n\n\n<p>Having to cancel a trip can be heartbreaking, and expensive if you\u2019re unable to recoup any of the costs. When planning your next adventure, consider how much money you could be out if you had to cancel your travels due to a sudden illness, a family emergency at home, or a new Canadian travel advisory advising to avoid non-essential or all travel is issued for your destination.<\/p>\n\n\n\n<p>Trip cancellation\/interruption insurance offers financial peace of mind for any non-refundable trip costs \u2014&nbsp;so you can focus on enjoying your vacation.<\/p>\n\n\n\n<section class=\"wp-block-rbc-section-block  pos-rel\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner\" style=\"border-radius:0x\">\n<section class=\"wp-block-rbc-section-block  pos-rel has-fff-background-color has-background\" style=\"border-radius:0px\">\n<div class=\"wp-block-rbc-section-inner-block  section-inner block-wpr bg-light-blue rounded-corners pos-rel mob-pad-t pad-t pad-b mob-pad-b pad-l mob-pad-l pad-r mob-pad-r centered-block\" style=\"border-radius:0x\">\n<h2 class=\"wp-block-heading has-text-align-center mar-b-hlf mob-mar-b-hlf mob-pad-t-hlf\" id=\"h-rbc-travel-insurance\">RBC Travel Insurance<\/h2>\n\n\n\n<p class=\"has-text-align-center mar-b-hlf mob-mar-b-hlf pad-r mob-pad-r pad-l mob-pad-l has-text-lg-font-size\">If you need help during your trip for a medical or other travel emergency, help is available 24\/7.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-a89b3969 wp-block-buttons-is-layout-flex\"><div>\n<div class=\"wp-block-button btn before is-style-primary primary aligncenter\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=BLOG_T\" data-dig-id=\"LP-TravelInsurance-35483-476a44f4\" data-dig-category=\"LP-TravelInsurance\" data-dig-action=\"button click\" data-dig-label=\"Get A Quote-https:\/\/online.worldprotect.com\/cgi-bin\/weblinkca\/en\/travel-insurance.cgi?agency_code=BLOG_T \">Get A Quote<\/a><\/div>\n<\/div><\/div>\n\n\n\n<p class=\"has-text-align-center  mar-t-hlf\"><a href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/travel-insurance\/\" target=\"_blank\" data-dig-id=\"LP-CTA-72-b7ecbe10\" data-dig-category=\"LP-CTA\" data-dig-action=\"link click\" data-dig-label=\"Learn More\" rel=\"noreferrer noopener\" class=\"rbc-link-format\">Learn More<\/a><\/p>\n<\/div>\n<\/section>\n<\/div>\n<\/section>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-faqs-about-trip-cancellation-insurance\">FAQs about trip cancellation insurance<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\">Is trip cancellation insurance worth it for domestic travel?<\/h3>\n\n\n\n<p>Trip cancellation insurance is worth it for any trip that includes non-refundable costs, regardless of the destination. International travel can often be more expensive or may be more challenging to cancel, which is why trip cancellation insurance is particularly useful for trips abroad.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">When should you buy trip cancellation insurance?<\/h3>\n\n\n\n<p>You should buy trip cancellation as soon as you know the total costs of your trip, so that you can get an accurate quote with enough coverage. Your policy takes effect on the day you purchase it, so having it well in advance of your departure date means you\u2019ll already have coverage in place if something unexpected comes up and derails your plans.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Can I buy trip cancellation insurance after booking my trip?<\/h3>\n\n\n\n<p>Yes, you can buy trip cancellation insurance after booking your trip. You need to know the full cost of the trip so you can get an accurate quote, so it makes sense to buy coverage after booking rather than before. But once you know the costs, don\u2019t wait. If something comes up and you need to cancel but haven\u2019t bought your trip cancellation insurance yet, you can\u2019t retroactively apply your coverage.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<div class=\"wp-block-rbc-rbc-default-collapsible\"><p><button class=\"collapse-toggle collapsed\" data-target=\"#collapse2de7ba0a\" data-toggle=\"collapse\" aria-expanded=\"false\" aria-controls=\"collapse2de7ba0a\" data-dig-id=\"LP-HomeInsurance-14506-2de7ba0a\" data-dig-category=\"LP-HomeInsurance\" data-dig-action=\"accordion closed\" action-closed=\"accordion closed\" action-opened=\"accordion open\" data-dig-label=\"Things Our Lawyers Want You to Know\"><div>Things Our Lawyers Want You to Know<\/div><\/button><\/p><div class=\"collapse-content collapse\" id=\"collapse2de7ba0a\">\n<div class=\"wp-block-rbc-collapsible-inner-block collapse-inner\">\n<p class=\"has-text-sm-font-size\">*Home and auto insurance products are distributed by RBC Insurance Agency Ltd. and underwritten by Aviva General Insurance Company. In Quebec, RBC Insurance Agency Ltd. Is registered as a damage insurance agency. As a result of government-run auto insurance plans, auto insurance is not available through RBC Insurance in Manitoba, Saskatchewan and British Columbia.<\/p>\n\n\n\n<p class=\"has-text-sm-font-size\">This article is intended as general information only and is not to be relied upon as constituting legal, financial or other professional advice. A professional advisor should be consulted regarding your specific situation. Information presented is believed to be factual and up-to-date but we do not guarantee its accuracy and it should not be regarded as a complete analysis of the subjects discussed. All expressions of opinion reflect the judgment of the authors as of the date of publication and are subject to change. No endorsement of any third parties or their advice, opinions, information, products or services is expressly given or implied by Royal Bank of Canada or any of its affiliates.<\/p>\n<\/div>\n<\/div><\/div>\n\n\n\n<div style=\"height:31px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n<\/div>\n<\/section>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Vacations don\u2019t always go as planned. That\u2019s where trip cancellation and interruption insurance can help protect Canadians if their trip is cancelled, delayed, or there\u2019s an emergency.<\/p>\n","protected":false},"author":208,"featured_media":35487,"comment_status":"open","ping_status":"open","sticky":false,"template":"templates\/new-rbci-design.php","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[53],"tags":[10,11],"article-type":[80],"ppma_author":[169],"class_list":["post-35483","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-travel-insurance","tag-travel","tag-travel-insurance","article-type-advice-learning"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.3 (Yoast SEO v27.3) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>What is Trip Cancellation Insurance and How Does it Work? | RBC Insurance<\/title>\n<meta name=\"description\" content=\"Vacations don\u2019t always go as planned. That\u2019s where trip cancellation and interruption insurance can help protect Canadians if their trip is cancelled, delayed, or there\u2019s an emergency.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What is Trip Cancellation Insurance and How Does it Work? | RBC Insurance\" \/>\n<meta property=\"og:description\" content=\"Vacations don\u2019t always go as planned. That\u2019s where trip cancellation and interruption insurance can help protect Canadians if their trip is cancelled, delayed, or there\u2019s an emergency.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work\/\" \/>\n<meta property=\"og:site_name\" content=\"RBC Insurance\" \/>\n<meta property=\"article:author\" content=\"Tammy Burns\" \/>\n<meta property=\"article:published_time\" content=\"2026-03-27T20:39:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-03-27T20:39:09+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/What-is-trip-cancellation-insurance.webp?quality=80\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"683\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"noellagilkes\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Tammy Burns\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"17 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/travel-insurance\\\/what-is-trip-cancellation-insurance-how-does-it-work\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/travel-insurance\\\/what-is-trip-cancellation-insurance-how-does-it-work\\\/\"},\"author\":{\"name\":\"noellagilkes\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#\\\/schema\\\/person\\\/ba4e54d92d13cc29bc149f70c69e7358\"},\"headline\":\"What is Trip Cancellation Insurance and How Does it Work?\",\"datePublished\":\"2026-03-27T20:39:07+00:00\",\"dateModified\":\"2026-03-27T20:39:09+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/travel-insurance\\\/what-is-trip-cancellation-insurance-how-does-it-work\\\/\"},\"wordCount\":1969,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/travel-insurance\\\/what-is-trip-cancellation-insurance-how-does-it-work\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/What-is-trip-cancellation-insurance.webp?quality=80\",\"keywords\":[\"Travel\",\"Travel Insurance\"],\"articleSection\":[\"Travel Insurance\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/travel-insurance\\\/what-is-trip-cancellation-insurance-how-does-it-work\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/travel-insurance\\\/what-is-trip-cancellation-insurance-how-does-it-work\\\/\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/travel-insurance\\\/what-is-trip-cancellation-insurance-how-does-it-work\\\/\",\"name\":\"What is Trip Cancellation Insurance and How Does it Work? | RBC Insurance\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/travel-insurance\\\/what-is-trip-cancellation-insurance-how-does-it-work\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/travel-insurance\\\/what-is-trip-cancellation-insurance-how-does-it-work\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/What-is-trip-cancellation-insurance.webp?quality=80\",\"datePublished\":\"2026-03-27T20:39:07+00:00\",\"dateModified\":\"2026-03-27T20:39:09+00:00\",\"description\":\"Vacations don\u2019t always go as planned. That\u2019s where trip cancellation and interruption insurance can help protect Canadians if their trip is cancelled, delayed, or there\u2019s an emergency.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/travel-insurance\\\/what-is-trip-cancellation-insurance-how-does-it-work\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/travel-insurance\\\/what-is-trip-cancellation-insurance-how-does-it-work\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/travel-insurance\\\/what-is-trip-cancellation-insurance-how-does-it-work\\\/#primaryimage\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/What-is-trip-cancellation-insurance.webp?quality=80\",\"contentUrl\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/What-is-trip-cancellation-insurance.webp?quality=80\",\"width\":1024,\"height\":683,\"caption\":\"What is trip cancellation insurance\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/advice-learning\\\/travel-insurance\\\/what-is-trip-cancellation-insurance-how-does-it-work\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Advice &amp; Learning\",\"item\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/article-type\\\/advice-learning\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"What is Trip Cancellation Insurance and How Does it Work?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#website\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/\",\"name\":\"RBC Insurance\",\"description\":\"Personal Insurance\",\"publisher\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#organization\",\"name\":\"RBC Insurance\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/rbc-logo-shield.svg?quality=80&w=1024\",\"contentUrl\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/rbc-logo-shield.svg?quality=80&w=1024\",\"width\":\"1024\",\"height\":\"1024\",\"caption\":\"RBC Insurance\"},\"image\":{\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"description\":\"RBC Insurance offers personal insurance such as car, home, life, health, travel and creditor insurance, plus retirement investment solutions to Canadians.\",\"telephone\":\"1-800-769-2568\",\"legalName\":\"RBC Insurance Services Inc.\",\"numberOfEmployees\":{\"@type\":\"QuantitativeValue\",\"minValue\":\"1001\",\"maxValue\":\"5000\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/#\\\/schema\\\/person\\\/ba4e54d92d13cc29bc149f70c69e7358\",\"name\":\"noellagilkes\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/Avatar.webp?quality=80&w=128072e50ca1e20d0ba047ebdf078f7e2df\",\"url\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/Avatar.webp?quality=80&w=128\",\"contentUrl\":\"https:\\\/\\\/silver.rbcinsurance.com\\\/en-ca\\\/wp-content\\\/uploads\\\/sites\\\/2\\\/2021\\\/06\\\/Avatar.webp?quality=80&w=128\",\"caption\":\"noellagilkes\"}}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"What is Trip Cancellation Insurance and How Does it Work? | RBC Insurance","description":"Vacations don\u2019t always go as planned. That\u2019s where trip cancellation and interruption insurance can help protect Canadians if their trip is cancelled, delayed, or there\u2019s an emergency.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work\/","og_locale":"en_US","og_type":"article","og_title":"What is Trip Cancellation Insurance and How Does it Work? | RBC Insurance","og_description":"Vacations don\u2019t always go as planned. That\u2019s where trip cancellation and interruption insurance can help protect Canadians if their trip is cancelled, delayed, or there\u2019s an emergency.","og_url":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work\/","og_site_name":"RBC Insurance","article_author":"Tammy Burns","article_published_time":"2026-03-27T20:39:07+00:00","article_modified_time":"2026-03-27T20:39:09+00:00","og_image":[{"width":1024,"height":683,"url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/What-is-trip-cancellation-insurance.webp?quality=80","type":"image\/webp"}],"author":"noellagilkes","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Tammy Burns","Est. reading time":"17 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work\/#article","isPartOf":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work\/"},"author":{"name":"noellagilkes","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#\/schema\/person\/ba4e54d92d13cc29bc149f70c69e7358"},"headline":"What is Trip Cancellation Insurance and How Does it Work?","datePublished":"2026-03-27T20:39:07+00:00","dateModified":"2026-03-27T20:39:09+00:00","mainEntityOfPage":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work\/"},"wordCount":1969,"commentCount":0,"publisher":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#organization"},"image":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work\/#primaryimage"},"thumbnailUrl":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/What-is-trip-cancellation-insurance.webp?quality=80","keywords":["Travel","Travel Insurance"],"articleSection":["Travel Insurance"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work\/","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work\/","name":"What is Trip Cancellation Insurance and How Does it Work? | RBC Insurance","isPartOf":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#website"},"primaryImageOfPage":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work\/#primaryimage"},"image":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work\/#primaryimage"},"thumbnailUrl":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/What-is-trip-cancellation-insurance.webp?quality=80","datePublished":"2026-03-27T20:39:07+00:00","dateModified":"2026-03-27T20:39:09+00:00","description":"Vacations don\u2019t always go as planned. That\u2019s where trip cancellation and interruption insurance can help protect Canadians if their trip is cancelled, delayed, or there\u2019s an emergency.","breadcrumb":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work\/#primaryimage","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/What-is-trip-cancellation-insurance.webp?quality=80","contentUrl":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/What-is-trip-cancellation-insurance.webp?quality=80","width":1024,"height":683,"caption":"What is trip cancellation insurance"},{"@type":"BreadcrumbList","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/advice-learning\/travel-insurance\/what-is-trip-cancellation-insurance-how-does-it-work\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/silver.rbcinsurance.com\/en-ca\/"},{"@type":"ListItem","position":2,"name":"Advice &amp; Learning","item":"https:\/\/silver.rbcinsurance.com\/en-ca\/article-type\/advice-learning\/"},{"@type":"ListItem","position":3,"name":"What is Trip Cancellation Insurance and How Does it Work?"}]},{"@type":"WebSite","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#website","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/","name":"RBC Insurance","description":"Personal Insurance","publisher":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/silver.rbcinsurance.com\/en-ca\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#organization","name":"RBC Insurance","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#\/schema\/logo\/image\/","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/rbc-logo-shield.svg?quality=80&w=1024","contentUrl":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/rbc-logo-shield.svg?quality=80&w=1024","width":"1024","height":"1024","caption":"RBC Insurance"},"image":{"@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#\/schema\/logo\/image\/"},"description":"RBC Insurance offers personal insurance such as car, home, life, health, travel and creditor insurance, plus retirement investment solutions to Canadians.","telephone":"1-800-769-2568","legalName":"RBC Insurance Services Inc.","numberOfEmployees":{"@type":"QuantitativeValue","minValue":"1001","maxValue":"5000"}},{"@type":"Person","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/#\/schema\/person\/ba4e54d92d13cc29bc149f70c69e7358","name":"noellagilkes","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128072e50ca1e20d0ba047ebdf078f7e2df","url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128","contentUrl":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128","caption":"noellagilkes"}}]}},"jetpack_featured_media_url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/What-is-trip-cancellation-insurance.webp?quality=80","jetpack_sharing_enabled":true,"authors":[{"term_id":169,"user_id":208,"is_guest":0,"slug":"noellagilkes","display_name":"noellagilkes","avatar_url":{"url":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128","url2x":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-content\/uploads\/sites\/2\/2021\/06\/Avatar.webp?quality=80&w=128"},"0":null,"1":"","2":"","3":"","4":"","5":"","6":"","7":"","8":""}],"_links":{"self":[{"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts\/35483","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/users\/208"}],"replies":[{"embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/comments?post=35483"}],"version-history":[{"count":10,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts\/35483\/revisions"}],"predecessor-version":[{"id":35512,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/posts\/35483\/revisions\/35512"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/media\/35487"}],"wp:attachment":[{"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/media?parent=35483"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/categories?post=35483"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/tags?post=35483"},{"taxonomy":"article-type","embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/article-type?post=35483"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/silver.rbcinsurance.com\/en-ca\/wp-json\/wp\/v2\/ppma_author?post=35483"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}